Best Business Credit Cards for 2017

Streamline your expenses and earn rewards with the right business credit card.By Brian Robson

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Every day, businesses make purchases that vary in terms of quantity and overall cost. Some of these purchases might be office resources and some might go toward travel expenses. Regardless of the size of your business, you might find yourself making day-to-day purchases like these and that’s why having a business credit card is a must.

With the right business credit card, you can earn rewards on purchases in categories that are relevant to your business operations. Some of these rewards might come in the form of cash back and dollar-for-dollar matches at the end of the year. Another great thing about business credit cards is that they make it easy to separate your personal spending from your professional acquisitions. This distinction is invaluable when tax season comes along and helps prevent a lot of confusion.

Our favorite business credit cards in 2017

Best overall

True, the boasts a huge signup bonus (worth $1k when you redeem for travel through Chase Ultimate Rewards®!) But that’s not all. With this card, you’ll earn 3X points in popular categories like travel, shipping, and advertising, on up to $150k/year. High-rate rewards and flexible redemption make the our top pick for 2017.

Whether your business is a sprawling corporation or an intimate mom and pop operation, a business credit card can help! We have taken the time to put together the year’s top picks for best business credit cards. Have a look at our picks and, if one appeals to you, apply for one online in minutes.

Rewards Details:Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Sign Up Bonus:Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Annual Fee:$95

Balance Transfer Fee:Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance APR:25.99% Variable

Foreign Transaction Fee:$0

Introductory APR:N/A

Introductory APR Period:N/A

Introductory Balance Transfer APR:N/A

Introductory Balance Transfer Period:N/A

Ongoing APR:16.99% - 21.99% Variable

Penalty APR:None

Our two cents

For the business credit card with the best signup bonus, we have to give it to the . You’ll earn 80,000 bonus points after spending $5,000 in purchases within the first 3 months. That’s $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®. And if you’re running a business that makes a lot of purchases, it’s a threshold you can reach in no time. Furthermore, the also grants 3 points per every dollar spent on combined purchases in categories that include travel and advertising purchases (up to $150,000). There are also no foreign transaction fees, making this a well-rounded business credit card suitable to all kinds of business owners.

The sports a hefty signup bonus that can prove irresistible when you also consider the 3x points earned in eligible categories. However, anyone who does not make business-relevant purchases in those fields or in the realms of airfare or advertising might not be able to take advantage of these generous perks. For a comparable alternative, we recommend . This card comes with a signup bonus of 50,000 Membership Rewards® points after spending $5,000 within the first 3 months. While the signup bonus is not as large as that offered by the , does come with the option of choosing a business category (from a list of 5) where you’ll receive 3x points on purchases (additional 2x points on remaining categories).

Why you'll love it

If the rewards categories fall in line with your business-relevant purchases, then the might just be the one for you. Its robust rewards potential alone makes this card a perfect fit for businesses of all sizes. Plus, redeeming points through Chase Ultimate Rewards® means plenty of flexibility — and a 25% points bonus when you redeem for travel. And with 80,000 bonus points when you spend $5,000 in purchases within the first three months, what’s not to love?

Our two cents

For small businesses, the is one option definitely worth considering. It comes with a modest signup bonus of $300 cash back after spending $3,000 within the first 3 months. Additionally, there’s a nice year-long window of 0% intro APR, allowing for some big-time spending and time enough to pay it all back. Smaller businesses will likely not have to worry about the $25,000 cap on larger rewards, leaving them free to enjoy the 5% and 2% cash back within said threshold. And, if you need further proof, just look at Kiplinger’s Personal Finance (September 2016), which named the as “A Great Card for Small Businesses.”

It’s always important to take your regular business spending habits into account when opting for a business credit card. If you think those purchasing habits will ensure you make the most of the , then this is the card for you. Some larger businesses often find themselves reaching the ’s rewards cap and might benefit from something with more room to grow. can offer that to any businesses whose annual spending comes to upwards of $25,000. Furthermore, this card offers the holder the opportunity to pick a 3x points category from a list of five options and the rewards cap is higher (up to $100,000 in the 3x and 2x categories).

Why you'll love it

For any small businesses, the is an attractive option. It’s a substantial, no frills, low maintenance solution with high-rate rewards and no annual fee.

Limited Time Offer: Earn 25,000 bonus Starpoints® after you use your new Card to make $6,000 in purchases within the first 3 months.

Earn an extra 10,000 bonus Starpoints® after you make an additional $4,000 in purchases on the Card within the first 6 months. Offer ends 11/1/2017.

Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.

Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.

Our two cents

For business owners who like to travel and sleep in comfort, there’s the . For a limited time just by signing up and spending $6,000 within the first 3 months, cardholders can earn 25,000 bonus Starpoints®. Furthermore, business owners who make eligible purchases with this card at SPG® & Marriott Rewards® hotels can also earn back 2 Starpoints® per dollar spent. Business travelers will also be happy to know that, along with the earning potential, there are no foreign transaction fees. However, there is a pretty standard $95 annual fee that comes with the , but it’s also waived for the first year.

If you’re looking for a card that lets you redeem points for cash back, then the might not be for you. Another thing that might be a deal breaker is that points on redemption rates for airfare will vary depending on the airline you book with. A comparable card would be the . As a more straightforward alternative, this card sports a 1:1 points transfer rate with Chase airline partners. Furthermore, you can redeem points for cash back along with travel and other options through Chase Ultimate Rewards®.

Why you'll love it

There isn’t much that can compare with the affordability and flexibility of the , especially if your business involves a lot of travel. Valuable cardmember perks like baggage insurance help take some of the hassle out of business travel. You can also use this card to earn your way toward free nights at high-end hotels – even overseas. With over 1,300 hotels and resorts in over 100 countries, you’ll have no shortage of options when it’s time to redeem your points.

Our two cents

is most ideal for business owners who do a lot of spending and, most importantly, want the power to choose their own rewards categories. This card’s hefty signup bonus comes with 50,000 Membership Rewards® points after spending $5,000 within the first 3 months. Cardholders can also select the rewards categories that fall in line with their professional spending in order to earn 3x points in one category and 2X points in the remaining four categories. When used properly, it’s easy to earn points and rewards with without having to adjust your everyday business purchases. One important thing to keep in mind, however, is that this is a charge card. That means that you must pay off your statement in full every month.

is a charge card. This means that you’ll have to pay off your statement every month; something to consider along with the no pre-set spending limit. This card also comes with an annual fee of $175. While the annual fee is waived for the first year, you’ll need to factor in that expenditure when you’re paying your bills. In fact, if your business costs are not high enough to warrant these expenses, you might benefit from a card geared more toward smaller businesses like the . You’ll get higher-rate rewards including 5% on up to $25,000 per year on internet, cable, and phone services as well as participating office supply stores. Also, there’s no annual fee.

Why you'll love it

If you run a large business, is a strong choice. It offers high-rate rewards on big-ticket purchases like travel expenses, hardware, and software. We’re talking 3x points on purchases in a variety of categories and a generous signup bonus to boot. Furthermore, you can actually choose which types of purchases will yield the greatest rewards. The ability to choose your own 3X points category will help you maximize rewards potential on the types of purchases you make most.

Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.

You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.

You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017

Sign Up Bonus:Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

Annual Fee:$450

Balance Transfer Fee:N/A

Cash Advance APR:N/A

Foreign Transaction Fee:N/A

Introductory APR:N/A

Introductory APR Period:N/A

Introductory Balance Transfer APR:N/A

Introductory Balance Transfer Period:N/A

Ongoing APR:N/A

Penalty APR:N/A

Our two cents

Larger businesses tend to have significantly larger expenditures, which is where could really make a difference. Within the first 3 months of owning this card, big spenders can earn 50,000 Membership Rewards® points by spending $10,000 on qualifying purchases. An additional $10,000 spent within that window earns cardholders an extra 25,000 points. If your business is large enough to take advantage of this signup bonus, then the annual fee of $450 shouldn’t be that much of a deal breaker. Not when the rewards potential of is so high.

is great for the business that typically spends in excess of $5,000, especially on big-ticket items. Smaller businesses, however, might not be able to make the most of this and the steep annual fee of $450 can be a real deal breaker. For small businesses and freelancers, might be a better fit. The annual fee is smaller ($175, waived the first year) and it grants you the ability to choose your top-earning rewards categories so you can earn the most back on purchases relevant to your business.

Why you'll love it

features incredible rewards potential if you’re in the business of traveling and purchasing big-ticket items. You can use this card to maximize your rewards in these categories and never have to worry about traveling in style.

Our two cents

We can’t recommend the enough to freelancers and smaller businesses. This low-maintenance, no-frills business credit card comes with a simple and flexible rewards program that anyone can appreciate. Not only can you earn 3% cash back on relevant business expenses, you can actually choose the rewards categories that align with your professional expenditures. These spending categories can include filling up at a U.S. gas station or paying for airfare. The also comes with a signup bonus of up to $400 cash back when you spend $15,000 on qualifying purchases.

Spend $15,000 on qualifying purchases to cash in on the $400 signup bonus.

Pay for your all your company’s internet and wireless phone services with this card.

Analyze upcoming expenses and choose your rewards category carefully. You can earn 3% cash back in the spending category that best fits your business plan: U.S. gas stations, U.S. shipping, airfare, U.S. software, and more.

Consider your yearly expenses when looking into the . The ability to earn 5% and 3% cash back on select categories can be a boon, but it only applies to the first $50,000 in purchases per calendar year with a 1% rate thereafter. If you find that your business spending regularly exceeds this cap (to the point of even being double), then you might not get the most out of this card’s rewards program. In that case, you could turn your attention to the . This card lets you earn 3x points on select categories and the cap is much higher at $150,000 per year.

Why you'll love it

Few business cards offer rewards this generous without an annual fee. is a great cash back card for small businesses looking for low-maintenance rewards.

Our two cents

While the card is not technically a business credit card, it can be a tremendous boon for those freelancers and digital nomads who travel for a living. There are no annual fees with this card and business travelers can appreciate the freedom that comes with no foreign transaction fees, as well. This card also rewards spending in categories that fall within the realm of travel. This means that you could earn 1.5x miles for every dollar you spend on gas, car rentals, and more. Miles that can be redeemed for eligible travel purchases including airfare. Whether you’re representing a large business overseas or a freelancer traveling the world, the card makes a wonderful addition to any business owner’s wallet.

Buy everything with this card (unless you have a specific airline or hotel card that offers more than 1.5x miles). The more you spend in the first year, the more you’ll get with your first year rewards match.

Traveling overseas? Bring this card! Rest assured that you won’t be charged a foreign transaction fee.

Book travel through your favorite discount travel site or during a sale, then reimburse yourself with a travel statement credit.

Understanding the limits of the card when it comes to rewards and miles redemption benefits is an important factor to take into consideration. One thing to point out is that you cannot transfer your miles into travel loyalty programs. That right there is often enough of a deal breaker for those who would prefer a specific airline or would want to combine rewards redemption with airline sales. Another thing to factor into the equation is that the card does not let you receive your bonus miles for its hefty rewards match until the end of the first year. For those who want more flexibility, we recommend the . This card grants a 1:1 points transfer rate to Chase airline partners in addition to a signup bonus worth $1,000 in travel (through Chase Ultimate Rewards®).

Why you'll love it

The makes earning free travel effortless. There’s no need to track spending in select categories; simply use the card for every purchase you make, and watch the rewards stack up. Automatic mile-for-mile match at the end of your first year makes this $0-annual-fee card an even sweeter deal for business and leisure travelers alike.

Our two cents

Whether you’re a large business or a more intimate operation, there’s no denying the value of a card that rewards everyday purchases. That’s why the makes our list and is one we can easily recommend to any business of any size. With its signup bonus, business owners can earn 40,000 bonus miles just by spending $3,000 in card purchases within the first 90 days. Every purchase made with this card will also grant 2x miles. These miles can then be put toward free hotel stays and airfare. There are no foreign transaction fees with the either, making it the perfect travel companion for the jet-setting business traveler.

Since there’s no annual fee for the first year, you can explore everything the has to offer with minimal upfront cost. Keep in mind that you’ll get the greatest value for your points if you redeem them through the RewardsBoost online shopping portal. Additionally, while it’s hard to beat double miles on every purchase, you could be missing out on bonus rewards points if the bulk of your business expenses fit into certain popular categories. If you don’t mind tracking spending categories, consider the .

Why you'll love it

Even with a modest annual fee of $89, there’s still a lot to love about the . The sizable signup bonus coupled with the 2x points on every purchase are compelling features. Combine those with the ease and flexibility of booking travel with this card, and it’s easy to see why the is the traveling businessman’s best friend.

Best business credit cards for 2017: summed up

Combining business credit cards with other rewards cards

Each of these business credit cards comes with its own perks and pitfalls. That’s why, sometimes, it pays to have more than one. That way you can use one card for your primary spending while you can benefit from the rewards of another. We call these “power pairings” and listed below are just a few pairs you can consider from our 2017 list of the best business credit cards.

Ink Business Cash℠ Credit Card and Starwood Preferred Guest® Business Credit Card from American Express

We’ve already explained all the crucial benefits the can bring to small businesses. However, what about the businessman that needs to travel? Wouldn’t it be nice if you could have your small business credit card while also staying at some of the best hotels worldwide? Well, now you can, when you pair your with hotel rewards cards like the . Sign up for the , and you can start making those 25,000 signup bonus points work for you towards hotel stays and airfares. Just use your new card to make $6,000 in purchases within the first 3 months (limited time offer). And, if you’re meeting a business contact for dinner, you can use the to earn rewards at participating restaurants.

SimplyCash® Plus Business Credit Card from American Express and Discover it® Miles

When you’re a digital nomad or a freelancer who needs to travel, there are two things that matter more than anything: travel accommodations and staying connected. We have already gone into detail about all of the travel benefits made possible by the card, but there’s more.

In addition to racking up those travel miles, you could receive 5% cash back on wireless phone service expenses by using the . Not only that, but the also lets you earn 3% cash back on the rewards categories of your choice. On top of all that, neither of these cards will hit you with an annual fee. With this pairing, you’re free to travel the world and keep in touch with your clients.

2017’s best business credit cards for premium services

If your business has made it to the top, you may be searching for ways to make your business travel more comfortable instead of pinching pennies on day-to-day expenses. and can serve you well because they are loaded with premium travel benefits that help you relax and travel in style.

The trade-off is cost: carries a $450 annual fee, while will set you back a mere $175 annually.

The king of business travel cards has traditionally been due to its previously unmatched benefits for travel. However, recently it has been losing a bit of its luster. First, there is a $550 annual fee. Then, US Airways/American Airlines severed ties with AMEX for their airport lounge access. The Platinum Card® from American Express has scrambled to try and replace that value.

still excels with airport lounge access with over 1000+ participating lounges through Priority PassTM Select and Airport Club Access programs worldwide. You can use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back. However, if you don’t travel much, none of this means anything to you.

Frequent travelers will enjoy getting 5X Membership Rewards® points on flights and prepaid hotels booked through the American Express travel site. But, with a $450 annual fee, make sure to check your spending levels to make sure you will get enough value for this card.

Who are small business credit cards good for?

When it comes to business credit cards, it’s never a one-size-fits-all scenario. Sometimes, certain businesses will find something to appreciate in certain cards that others will not. This is also true for any of the designated small business credit cards we have covered. And, while it’s true that businesses of all sizes can apply for a small business credit card, generally these cards are best suited for the following categories:

Self-employed individuals who travel frequently for work and want to rack up rewards

Freelancers who need help managing their cash flow

Consultants who may travel or entertain clients

Small business owners or freelancers who experience irregular cash flow throughout the month

Doctors or dentists who are part of their own practice

Financial advisors

Salespeople who travel for work and want to maximize travel-related rewards

Business owners who spend heavily on office supplies and equipment

People who fall in these categories all have certain expenses that can be separated and classified as “business” expenses. These type of expenses can include things like meals, required travel, advertising, business development, entertainment and office space.

Meanwhile, certain types of individuals are employed by an outside company, yet asked to front expenses like gas, meals and parking. Their company is then expected to reimburse them for their purchases, but this arrangement doesn’t preclude them from getting a business credit card. In fact, this may be the type of person who could benefit from a business card the most. By using a card for their business-related expenses, they keep their expenses on a separate tab without messing with their personal cash flow.

Here are some other ways almost anyone could benefit from having a business credit card:

Individuals who spend a lot in specific categories, such as dining and gas, could choose a card like the , which offers 3% cash back in 8 different categories of your choosing

Like we mentioned above, individuals who are expected to pay for work-related expenses then get reimbursed can use a business card for those expenses instead of paying for everything with their own money

Freelancers and digital nomads who do most of their work on the move will benefit most from what the card with $0 in annual fees and lots of ways to earn free travel

Salespeople who drive a lot could benefit from a card with increased earnings on gas purchases, such as the or the

How to use a business credit card to manage cash flow

Managing cash flow is crucial to the longevity of your business, big or small. Whether you sit at the head of a large corporation or freelance, it pays to keep track of your cash flow. A business credit card can help, and we’ve put together a handy list of real-life examples that illustrate the impact the right business credit card can have.

Real life example #1

Sometimes a self-employed freelancer will find themselves in that awkward interval waiting to receive payments from various clients. During this period, everyday expenses on office supplies, internet service, and more can pile up. Normally, this freelancer might be out of luck until those payments arrive. However, with a business credit card, those necessary business purchases could be charged temporarily and then paid off once client payments trickle in.

Real life example #2

An owner of a small business (10-12 employees) wraps up a huge project for a client, but payment is forthcoming. Payroll sends an email saying that there are not enough funds in the current budget to maintain business operations and pay the employees. With a business card, all the day-to-day business expenses could be temporarily charged, while freeing up funds to pay the employees on time. And after the client’s payment is received, the company owner could pay off the balance before it accrues interest.

Real life example #3

The CEO of a large business has determined that a purchase of $50,000 worth of equipment is necessary. However, he wants to be able to pay this off over several months without taking out a large loan. In lieu of a loan, the business could utilize a high-limit business credit card. Many cards offer 0% intro APR on purchases, which would function like an interest-free loan if paid in full before the end of the intro period. Plus, the business could earn cash back through the card’s rewards program!

Strategies for maximizing total rewards

One of the great things about business credit cards is that there are lots of little tricks you can do to really maximize your rewards. Tricks as in utilizing the existing rules to your advantage so you can effectively earn rewards in both personal and business expenses. Here are just a few of the strategies we’ve put together to help keep all of those expenses separate while still getting the most out of your business credit cards.

Overlap categories

As we have seen, most rewards credit cards offer bonus rewards in certain categories of spending. I sought out a business credit card that earns more points in categories that my personal rewards credit card does not.

For me, Chase has the best combination of personal and business cards on the market right now. For business, I use my Chase Ink Bold®, which earns 5x points on cell phone service, internet service, landline service and office supply stores plus 2x points on gas and hotels. I pair that card with my personal , which earns 2x points on travel and dining.

If I am out to eat with a client, a business expense, I use my personal instead of my Chase Ink Bold® because I earn double points with the . If I spend on an item outside of any of these bonus categories, I still earn 1 point per dollar, so I’m always earning.

What to watch out for

Combining expenses is all well and good, but you must keep meticulous notes on your expenses and accounting to divorce your business and personal spending. Otherwise, you’ll have to review months of calendar notes, credit card statements, and receipts just to have an accurate accounting of where your expenses lie. There are, however, tools that can help you keep track of everything.

How to avoid these problems

Getting into the habit of good recordkeeping and accounting will help you avoid these problems and manage your finances. There are also lots of valuable tools online that can make this easier, as well as software you can buy. Jot from Chase Business is a prime example, as it lets you categorize your expenses with tags and take pictures of your receipts for easy recordkeeping. No need to hang onto all those paper receipts and rifle through them at the end of the year.

Another great tool is Expensify, which accomplishes the same thing (with a few more bells and whistles). While Jot works with your Chase business credit card, Expensify can be used to manage all of your finances across accounts. You could also try Quickbooks for keeping detailed accounting notes.

All of these tools can promote responsible financial management and, perhaps more importantly, see you through tax season with minimal hassle.

Research the 25 best business credit cards

We’ve put together a directory of the most popular business credit cards as they stand today. Our listing of business credit cards emphasizes the features we feel will be the most beneficial to you in your business endeavors. Check back often as this directory is maintained and updated on a weekly basis to reflect any new changes to the listing.

Business credit cards directory

There’s a lot to take into account when putting together a comprehensive business credit card directory. Luckily, you don’t have to worry about that. We’ve done most of the heavy lifting by considering the annual fees, foreign transaction fees, rewards, signup bonuses, perks, and other characteristics. Based on all of this, we’ve ranked and rated the following business credit cards. This objective comparison of credit cards and features will help you make an informed decision when choosing the card that’s right for you.

Take a moment to sort, filter, or search for what matters most to you in a business credit card.

Rating methodology

Understanding how and why we rate these cards can give you better insight into what cards make our list and which ones are right for you. In order to help explain this further, we have included a detailed outline of all the different factors considered for business credit cards.

Signup bonus

A signup bonus refers to a number of extra points or a percentage of cash back offered to a new cardholder. These bonuses tend to be rather large but usually only last for a limited period of time upon activating your account – hence, why they are signup bonuses.

A signup bonus could be as large as 40,000 points or it could offer a lump sum of cash back if you hit a certain purchasing milestone within the first few months. We consider signup bonuses carefully when comparing business credit cards, because they can prove substantial in placing one card over the other.

Rewards

The business credit cards we have covered above include access to rewards programs. These rewards are the incentive a cardholder receives for making purchases with their card. Rewards can come in different forms, from points accrued for every dollar spent to a specific percentage of cash back per every dollar spent. Furthermore, the amount of rewards you’ll earn for each purchase can vary based on rewards categories. For example, with some cards, you might receive 5% by making specific types of purchases and a flat 1% on all other purchases.

Redemption options

Redemption options refer to all the different ways you can spend the points you’ve accumulated through your rewards program. Some of the best redemption options can be found through business credit cards, since many of them are associated with online rewards platforms like Chase Ultimate Rewards® or American Express Membership Rewards. Redeeming your points through these platforms (with an applicable credit card) can often earn you bonus points on certain types of redemption. Common redemption options include the ability to book travel, redeem for gift cards, and more.

Rewards rate

Just like it sounds, rewards rate is the rate at which your purchases on a credit card can earn you points or cash back (rewards). Sometimes this is expressed as a “points per dollar spent” model, while other times you might see a percentage of cash back per dollar spent. Many business credit cards offer as high as 5 points per dollar in particular spending categories (see Rewards categories), plus and 1 point per dollar spent on all other categories.

There are also flat rate rewards cards that reward you two points per dollar on all purchases instead of higher points on only limited categories.

Rewards categories

“Rewards categories” refer to the spending categories wherein your credit card can earn more than 1% or one point per every dollar spent. These percentages and point values can vary based on the credit card you are using, with some going as high as 5% or 5 points per every dollar spent. These rewards categories factor into your business purchasing strategy, as they can boost your points just by funding your day-to-day operations. However, these rewards are not without their limitations, and some spending can be capped in certain categories. These limitations can also vary, along with rewards structure. Understanding these limitations and rewards programs can help you compare business cards to find the one that’s best for you.

Perks

Perks are the other programs and benefits that add further value to a business credit card. For the most part, these perks entail travel benefits like airline credits, lounge access, or hotel upgrades. When it comes to the very best business cards, those perks can include hotel rewards programs, free Wi-Fi, and premium roadside assistance.

The bottom line

Applying for one of the business cards we’ve covered on this list is a sound business strategy that should not be overlooked. The rewards you could earn on your business-related charges can more than make up for any annual fees. Furthermore, these business credit cards serve as a valuable distinction between your personal and professional expenses. It’s wise to keep your business expenses separate — especially where taxes are concerned. If you’ve found a card that aligns with your spending habits, applying online is quick and easy. Apply today to start earning valuable rewards — and streamlining your business expenses — right away.

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